Single Girl Life | Apr 2, 2019 Update: No New Friends

Originally published/last updated on myearlyretiremenjourney.com on 28April2019. 

Since so much of my early retirement journey is not related to money, I’ve been trying to find another metric to track. Tracking another metric is for motivational purposes and serves as living documentation of other aspects of  my journey.  This is a preliminary post. If you have other things you’re tracking along your life or personal finance journey, please share!
Using some of my old journals and ideas from other personal bloggers, I’m going to try these items.

Work

Still working at the call center. Working the 11a-7p shift.
In March 2019, received an annual bonus of about $3,700. Got an annual raise of about $1/hr. I am grateful. Thanks, God.
Been working from home most of March and it’s been pretty nice albeit not any easier to take the few steps to my desk. Every morning it’s the same: Ugh, what am I doing here. I’ve tried to resign myself to this life but my brain keeps peppering me with asinine questions to hatch a plan to make my life better, to find an escape, to take a break. But Brain (yes, I call my brain by its name) doesn’t tell me what “better” looks like. It’s a daily struggle.
Current ruminations: quit in 2 weeks; ask for per diem schedule of 2 days a week; ask for 30 hours a week; take a year off starting in Sep 2019; take a year off starting in Sep 2020.
Note, I’ve been told before that generally time off is approved only for health reasons, but I know at least 1 person that has gotten a per diem schedule and 1 person long ago who got one day off for a little while but then had to go back to full time to meet company needs.

Life

Most recent life update on this blog: On 4 Years of Solitude and Reaching Out Again
No changes here. I have been contemplating making a new friend or two. After reaching out to old friends with no real sparks, I feel less compelled. The thing is I’m not one of those people to whom things just happen. Unless I decide to be open to a new platonic relationship, I won’t make the small talk; or accept the invite to socialize; or seek out social interactions.
Right now, I still spend 99% of my free time watching television. I decided to delete my email account off my iPad because I was checking email rabidly as if the answer to all my problems were just one email away.
Went on four trips in March. Part of me thinks it was a waste of time. I really don’t get it. The memories fade eventually, so really what’s the point? And I still have to come back and go to work. What a tease. Part of me  was hoping that by having something to look forward to it would make me think less about quitting work. You know… I’d have something to spend the money on other than food and rent. Help it did not.

Money

Most recent financial update on this blog: Single Girl Money | March 2019 Financial Update.
Automating savings is efficient but really takes away that element of achievement. I guess I don’t mind since the saving is getting done. It was really nice to see my investment balances greater than my contributions as that was not the case at the end of 2018.

I Dream of Early Retirement

If I were early retired today, I would have made a big breakfast and watched a movie (Up in the Air).
Maybe I’m hoping by documenting some of my thoughts (especially in the dream section), I can identify that trend all the self-help and life coach gurus say should be there. The trend that’s supposed to help you find your bliss, your joy, your purpose. *rolls eyes* I’ve been journaling for 35 years and tried every online find-your-bliss exercise I can find and still haven’t found it, but hey maybe there’s a more observant person out there.

On 4 Years of Solitude and Reaching Out Again

Originally published/last updated on myearlyretirementjourney.com on 23Mar2019.

I turned 35 about a week ago and had sought a few old friends to take a trip with me to South Africa. Long story short, I went alone. In seeking a travel companion, I ended up reaching out to about twelve old friends I hadn’t spoken to in anywhere from a year to about ten years. Not all were sought for travelling, mind you. I got caught up in the nostalgia. I am a human after all. It had been four or five years (depending on when you started counting) of going at it alone and I … I wanted to see if I had made the right choice.

Why I did it…

I can’t remember all of the reasons now as they fade in and out of saliency. I remember feeling de-prioritized. I remember feeling unimportant, unseen, unheard, cast aside. I remember for some that we had drifted apart with the other party making no real effort to bridge the gap. And in my mind, my efforts felt like a losing battle to carve out part of their time.
I remember feeling as it were, we could hardly be called friends. The current state of our friendships did not match what it once was. I started to feel like I was the problem. Why did I want them to care for me and nurture me so. One day I was not okay with being the sidekick in my own life. So, I called time of death on friendships that had flat-lined long before.


Reaching out again…

Basically, around Christmas 2018 and up to my 35th birthday (March 2019), I was feeling very nostalgic and sentimental and thought wouldn’t it be nice to have someone to celebrate this upcoming season of my life with even if just temporarily. I first reached out to two classmates from my degree program. We graduated in 2015 and had been in contact after graduation during our licensing exams. Then I sent out a slew of emails to friends from high school and undergrad.  A couple each week. Usually on Sundays before the blue-greys settled in.
From my professional degree program, I met up with one old classmate (male) who lived close to an hour away. It was neutral. With another classmate (female who lives in the same place as the other) we exchanged a few short emails. Both confirming no changes as far as the big three (i.e.relationship status, career, family planning). She is already a “stepmom” to two kids of her longtime live-in boyfriend.
With my high school friend, we have tentative plans to meet up in Toronto. I’ll definitely be in Toronto, it’s just a matter of if she shows up. She couldn’t make the trip to South Africa due to busy work schedule. I saw her last right before her wedding five years ago.
A roommate from my professional degree program and I exchanged a couple long emails than graduated to Facetime and a few weekly calls. She even went so far as to refer me for a job at her company. She was not a fan of my low salary and limited sick time. Yes, we got to talking about FIRE! She lives six hours away. She was my most enthusiastic response. When I last knew her she was living in Texas with a new job and moving back in with her “boyfriend” after years apart. Now, she is in the middle of a divorce (turns out they were married this whole time); buying a house that’s closing at the end of this month; and has a not-quite two year old son. We got pretty close really quickly in this short amount of time and now haven’t really spoken for about two weeks. It was a bit intense and I may not be as ready for a close friendship as I thought. Plus, some of the petty competition that can arise when people are too similar started to seep through.
My roommate from undergrad and I exchanged a couple moderate length emails and one Facetime call; the last email took over a week to receive a response. In my absence, she has since graduated medical school, completed a couple residencies, moved to California (from Chicago), had some health struggles, and she and her husband are expecting their second child. I last saw and spoke to her at her wedding in 2011. If I recall correctly, she was my last intense burst of friendship. It was really good. I was twenty when we first met. Maybe twenties is the oldest you can be to really have a chance at that bosom friendship commonly experienced in childhood and early adolescence.
There was one 10 minute stilted FaceTime audio call to another friend from college. She was recently fired and is forcing herself to live her best life regardless.

The data…

How many did I contact? On last count, I reached out to about twelve (12) friends from my past over about two to three months, primarily through email as I have been sans phone for going on two years.
How many favorable responses? Hard to qualify favorable at this particular juncture, so I’ll just quantify anyone that responded to my email or picked up the FaceTime call. In total seven (7) people responded in one way or another at some point or another as of the date of this posting.
One email bounced back.
I learned one friend died, age 32. Quite realistically, she was my only single friend (although she was last known to be actively looking). Notice of her death led to two more emails to people I once knew and one more response. Bringing the total to 14 contact attempts and 8 responses, a 57% response rate.

Ultimately…

Now that Christmas has come and gone and my 35th birthday has come and gone, the pull I was feeling for these lost friendships has quite certainly dissipated.  Now what?
I’ve had these pullings for friendship before during my four years of solitude but for the most part did not act on them except for the occasional Google search. This time around I was just tired of seeing my four walls; I finally got bored; I just wanted to meet up with somebody and do what I have generally come to detest – just chit chat for an hour or two. Get out of my head, get out my bed; get out of the house. I wanted a quick lunch and a laugh. That didn’t even really happen.
If I’m so anxious to leave work, where exactly am I headed?
People are too busy and everyone’s life moved on without me. I did make it out of the house every weekend this month, though. I made that my new goal, friend or not. I went to the Grand Canyon, South Africa, walked a trail near my house, and have tickets booked for Toronto next weekend. In rechallenging my existence with interpersonal relationships, I incidentally rechallenged myself with travel and adventure. Blah, on both counts.
Having gone on these trips alone, I am glad I didn’t have to negotiate any other personalities. And that’s not just me looking on the bright side. I’ve travelled alone before in rebellion and found it pretty empowering. I think I have become quite comfortable in my solitude. That was a surprising result of this personal social experiment. I had originally hoped my time alone would help distill what I wanted in a friend and which friendships were worth pursuing. Unfortunately, I didn’t find any friendships worth actively pursuing. I really like myself.
The list of qualities I desire in a friend is not static, so it has been really hard to pin down. I want to feel heard and seen. I want to be considered valuable. As I’ve stated on this blog before, I really am interested in a community of single women who aren’t looking for a partner (or baby) to make their lives whole. There has to be more to womanhood than that right?
What I’ve learned is that those qualities are really hard to find and an honest genuine relationship is difficult to sustain. I don’t even know if I can offer what I seek to another person. Consequentially, it’s just easier to go at it alone. I know friendships are something you have to actively pursue and cultivate like any other relationship, and I’m not convinced I’m entirely ready or desiring to do my part.
In the aftermath, I did encounter two old friends that could probably use a friend right now, but I know they come from families where they have a lot of support. And even as it stands, it has been difficult to carve out time for the friendship (they are both working wives and mothers). By mid 30s, life has dealt us enough to naturally want to keep others a safe distance away. I see myself fading back into the background this time without wonder of what could have been.

The lioness and her pride…

Women in their 30s are fiercely protective of their lifestyle choices, myself included. It’s prime mating and child-rearing season, and I’m just the odd single girl. While I’ve suspected it for some time, it just took me this long to fully realize the extent of it. I wish someone had just told me, I would have saved quite a lot of mental energy and heartache. So I’m telling you, reader, it’s really hard to forge new female friendships at this stage (early twenties to seemingly mid-40s). The next stage is early empty-nesters and the dissolution of first marriages. There might be an opening there.

Throwback 20s: That Time I Went to Eastern Europe

So every now and then when I binge read other FIRE blogs, I wonder what the heck I was doing in my 20s when they were all seemingly frugaling away their coppers.  To keep my head up and not get too bogged down with what I wasn't doing, I decided to start this series as a gentle reminder of the adventure portfolio I was building with a FIRE twist.  So instead of bemoaning my twenties, I want to take some time to celebrate that part of The Journey! Come along! I urge you!

THE HACK:
IPSF
Family

THE DETAILS:
Through a student exchange program with IPSF, a college in Romania provided a place to stay and a host for 3 weeks. My host was a traveler and advised me on air deals on RyanAir for trips between countries and local "cross country" bus routes that allowed me to see at least 5 countries during my stay on the cheap. #FIREapproved

I supplemented the trip with an early arrival in Germany and stayed with my aunt!

TOTAL COSTS:
About $2,000 most of which was airfare (USA > Germany > Romania > Italy > Romania > USA) and bus fare as I stayed in a free dorm for a few weeks and with my aunt for a week.  Airfare was kind of last minute because as I mentioned in an earlier post, I started to lose the travel bug. Tip: use the bus if you're going anywhere between Romania and Poland!

ITINERARY:








MEMORY STOCK:












McDonald's in Germany










View from Berlin double decker bus










Berlin walk sign










old European building










Over the tops of Cluj, Romania












KFC in Cluj










Quick jaunt to Rome










you know this guy










Burger King in Rome










dairy free gelato!










dairy-free/cheeseless pizza in Rome










Cluj mountains










Cluj lake










More Cluj mountains










Cluj accomodations in dorm










Stuffed cabbage in Cluj! Yumsies











Hospital where we worked. Note: that's not me.










Hospital cans food for patients #FIREapproved











wee bus ride to Hungary; no bigs










iconic Chain bridge joining Buda and Pest













chicken, potatoes, and kerfola in Bratislava

Spotlight on: Making Sense of Cents

Introduction: This draft has been pending since 2018 when I first started blogging. It's the last installment of the series. Please enjoy! 

Michelle is killing it! She is my official blog shero! She made early retirement her minion and just conquers the blogging world in her spare time. Financial savviness is her superpower and her strive for independence is a thread through almost her entire journey which began at an early age. As the story goes, she completed 2 degrees in under 3 years then worked harder and smarter to pay off the associated debt. During this time, she also moved out of her house as a teenager, married, and bought her home. Then started a blog and found she loved it and could make money off of it. They sold their house and now travel in an Airstream and call a boat home....because they can. Her Feb 2018 income report showed just under $180,000/ MONTH in blogging income. With her income, I'd be able to retire in 3 months!  Ahhh...what dreams may come!

She really needs no introduction. Her last twitter post showed she is even being featured in Oprah Magazine online. Check her out. This is one Journey you don't want to miss!

Remember the 'old days' when online chat was still a thing and people would list and ask for stats upon entering a chatroom. I thought that might be a quaint idea to utilize as I browsed and shared other FIRE blogs of interest. As this blog grows, there might be other blogs that might apply to your situation or season or just might be more interesting.

I like sharing knowledge; it's kind of what the Internet's all about. Some of the details are things bloggers have strong opinions on and use it to differentiate their experience. Others are things that are fun or basic to know about other bloggers.

Blog name: Making Sense of Cents
Author: Michelle Schroeder- Gardner
Blog start date: 2011
Location: Full time travel
Current Age: 29
Age of FI/RE: 24? (birth?)
Net worth: ALL THE MONEY IN THE WORLD (make an average of about $100,000+/mon on blogging)
Debt: $0 (paid of $38,000 in 7 months)
Income/ Income streams: blogging, investments, affiliate marketing, e-courses
Savings: ALL THE MONEY
Filing status: Married
Rent/own: neither (sold home to travel full-time)
Kids: 0
Pets: yes, 2
Car: the one they live in
Cell phone: yes
Cable: no
Credit cards: yes, for rewards; never been in credit card debt
Motivation: Per Michelle, my student loan debt was a big reason why I started this blog.
Their Journey so far:  Overcame some adversity in her teens and helped raise her younger sibling. This is the personal history of many a prolific figure throughout history.  Per Michelle, I used to work in the financial services industry as a financial analyst, but now I am fully self-employed as an online freelancer and solopreneur. I publish monthly income updates where I discuss how I earn over $100,000 a month online, which you can find here. Michelle's site promotes several products through affiliates and those she has created utilizing email marketing. I am a student of her how-to-start a blog tutorial.

Blog Notables: She wins in every category. The victory to me seems sweeter when there are personal history facets that could have taken the Journey down a different path.
My takeaway: If I can achieve literally a fraction...I'm talking 1% of her success...that will be enough for me. (It's possible I might not be dreaming big enough.) What Michelle has achieved is certainly notable and at this point her blog focuses heavily on promoting what she has already completed, created, and accomplished. I celebrate the hustle!

How I relate to their journey: Through adversity, many of us find triumph.
What blogbytes would you like to know about your favorite FIRE blogger?

Single Girl Life | Jan 5, 2019: Work, Facebook, God

Dear Future Me,

The pressure of not posting anything in January is keeping me up at night. So I decided to at least crank out five sentences while I determine what the heck I want to do with this blog and my life in general.

Work.
Work this week was pretty chill. It ended Friday with a little girl drama. Sometimes to make other people feel better I self-deprecate. It worked so well in high school. But people believe the things I say about myself and try to reassure me. And it makes me mad. I don't feel bad about myself, I don't need you to try to make me feel better. Then Sneak 1 made some comments that I didn't appreciate. All I want to say is leave me alone and go mind your own business.

Facebook.
Some minor Facebook drama the last time I was on. I don't even want to be on Facebook, only signed up to share my blog. Then I started to like hanging out in the groups. Then something I posted got a slap on the wrist because it wasn't related to personal finance. I think I might leave that group. It's unnecessary drama and I'm not much of a conflict mediator. I'm a conflict avoider and run-awayer. Real mature, I know. But I think we've all realized after 27, no major personality changes are really going to happen.

My mother.
All the mommy/family lovers I keep running into on the internet had me trying to reach out to my mother to help me figure out my life. I mean she chose to have me and has 30 years on me. Maybe she had some answers? Nope, same response - go to God.

God.
Until a year or so ago, I thought when people said "God told me.." they actually heard God's voice. When I asked Aunty MERJ about it to try to figure out why God doesn't talk to me, she basically said when God told her to move to Florida it was her just seeing "signs" about Tampa. I don't remember the exact signs, but they seemed pretty basic to me. I don't believe in signs because I can interpret anything to make it go the way I want. I don't think that's God. That's just me pursuing my desires. I miss the church of childhood!

Spain.
I asked one of my recommenders to write me a character reference for the Spain program. He was uncomfortable writing a letter that I would have access to. Why is your comfort important here?

That's it. I'm going back to bed. My favorite thing in America lately is my warm comfy bed. It's soooo comfy!

Love,

MERJ

P.S. My bible verse for the year: 2 Cor 12: 7-20
"So to keep me from becoming conceited...,[a] a thorn was given me in the flesh, a messenger of Satan to harass me, ...Therefore I will boast all the more gladly of my weaknesses... For the sake of Christ, then, I am content with weaknesses, insults, hardships, persecutions, and calamities.."